1ST Optimum Line of Credit

When you add the 1ST Optimum Line of Credit to your checking account, your checkbook and 1ST Ready Cash debit card possess the power of a credit card for any amount up to your approved credit line. Credit qualifications apply.

With the 1ST Optimum Line of Credit:

• You pay well below most credit-card rates. Your interest rate is variable, based on the Wall Street Journal Prime plus 6%

• Low annual fee of $20

• You don't have to be pre-approved each time you write a check

• You're only required to make minimum monthly payments, like a credit card. Your monthly payment is just 4% of the unpaid balance or $20, whichever is more

• You receive monthly reports about your 1ST Optimum Line of Credit with your monthly checking-account statement

• You can get cash advances from ATMs all over the world in $100 increments

Contact any of our banking center locations or email us ⁺ for more information about our 1ST Optimum Line of Credit.

⁺Please do not send confidential information (such as your social security number, account numbers and other account information) in Internet email.